What Should I Do If I’m Hit by an Uninsured Driver?

Even though car insurance is legally required in Missouri, it’s not uncommon to be hit by a driver who lacks proper insurance coverage.

It’s an unfortunate fact that not everyone who drives abides by the law. And even though car insurance is legally required in Missouri, it’s not uncommon to be hit by a driver who lacks proper insurance coverage

According to the Insurance Information Institute, around 14% of all drivers in Missouri are not properly insured – putting the state at 17th place. So what should you do if you’re hit by a driver who lacks insurance coverage? Find out now!

Uninsured Motorist Coverage From Your Insurer Is Your Best Option

Uninsured motorist coverage (UM) is the best way to get compensation when you’ve been hit by a driver without insurance. If you are hit by an uninsured driver and have UM coverage, you will be compensated by your insurance company. 

In Missouri, this type of coverage is mandatory. By law, all drivers must have UI coverage. Your auto policy in Missouri must cover at least $25,000 in damage per person, and $50,000 per accident. However, this is just a minimum. A higher coverage limit means you will get more protection in the event that you are involved in a crash with an individual who does not have insurance.

It’s important to note that while uninsured motorist coverage (UM) is mandatory in Missouri, underinsured motorist coverage (UIM) is not mandatory. UIM covers the costs of your accident if the at-fault party has an insurance policy, but the damages of the accident exceed their coverage limit. 

If you want to protect yourself from uninsured and underinsured motorists, it’s best to carry both UM and UIM coverage.

You May Be Able To Recover Further Damages With A Civil Lawsuit 

If your UM/UIM coverage does not cover the full extent of the damages done to your property or the cost of medical treatment for your injuries, you may be able to take the at-fault driver to court and sue them for these incurred expenses.

However, this can take quite a bit of time and money, and there is no guarantee that you will win the case, or that the responsible party will even have enough money to repay these damages. It is best to discuss your case with an uninsured and underinsured motorist lawyer to determine how to go about recovering compensation.

Speak With a St. Louis Auto Accident Attorney Today!

Hiring an uninsured or underinsured motorist lawyer in St. Louis can help you streamline the process of filing your claim and getting your compensation. 

In addition, an experienced attorney can help you negotiate a better settlement with the insurance company, or even pursue further legal action if necessary.

Don’t go it alone. If you have been hit by an uninsured or underinsured driver in St. Louis, speak with an experienced lawyer who can help you get the compensation you deserve for damage to your car, personal injuries, medical bills, and more. 

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Updated: May 22, 2020